YSK

If you have an Apple Card, you can schedule payments from your bank's Bill Pay feature rather than rely on Goldman Sachs to automatically debit your bank account.

tl;dr you can setup payments to originate from your bank. Follow the steps outlined under "Methodology" heading

Reasoning

You may be asking: "why" would I rely on Bill Pay? Personally, I like to have control on what is debited from my account rather than relying on external parties to "get it right". Many horror stories of creditors, services either "fat fingering" or having "internal system issues" causing auto withdrawal methods to well exceed the amount due [8]. It's honestly up to you. I bring it up here because Apple/Goldman Sachs do not advertise it and find it scummy/misleading. I hope some people find it useful.

Research

Publicly, Apple only publishes these 3 methods of paying your account balance with Goldman Sachs/Apple Card:

1. Set up automatic payments in Wallet app [1]
2. Schedule one time payments in Wallet app [2]
3. Schedule payment using "card.apple.com"

Several discussions on Apple's own discussion forum around this topic all point back to the aforementioned methods of payment [3,4,5]. One of these discussions hinted at the ability to use an external means of payment [3], but ultimately failed to provide any instructions for this.

There was a more recent discussion on this topic [6] and decided to deep dive into this address that was shared:

Goldman Sachs Bank, Lockbox 6112, P.O. Box 7247, Philadelphia, PA 19170-6112

I cross referenced the address with my most recent statement with Apple Card (April 2025) and it does appear to be valid and owned by Goldman Sachs entity. I found it buried in the "Legal" section of my credit card statement:

... Billing Rights Summary

What To Do If You Think You Find A Mistake On Your Statement:

If you think there is an error on your statement, write to us at:

Goldman Sachs Bank USA, Salt Lake City Branch

Lockbox 6112

P.O. Box 7247

Philadelphia, PA 19170-6112 ...

I wasn't familiar with what a "Lockbox" is in mailing address, so I looked it up [7].

What Is Lockbox Banking? Lockbox banking is a service provided by banks to companies for the receipt of payment from customers.

Bingo. So I will use this address to setup Bill Pay.

So, for those unfamiliar with "Bill Pay" offered by most (if not all) US banks. I understand it as an electronic means of remitting payments to creditors (ie, Goldman Sachs) or service providers (ie, your landlord, cellular device provider). However, if payee does not support an electronic means of payment. Then the Bill Pay service will fallback on issuing a check to the address associated with the payee.

So armed with this information, I should in theory be able to remit payment from my bank's bill pay feature.

Initially, I wasn't comfortable with relying on this feature for paying my card on time since it's not even advertised as a method in the billing statement. So decided to do a small test payment well in advance of the due date at end of the month.

Methodology

1. Get "Card Number" from Wallet app

Wallet app > Tap 💳 icon in top right > authenticate with Face ID or pass code > save the "Card Number" value under "Virtual Card Number" heading

2. Create new bill payee with following information:

Account Number: replace_with_card_number_from_previous_step

Name: Goldman Sachs Bank USA, Salt Lake City Branch

Address Line 1: LOCKBOX 6112

Address Line 2: PO BOX 7247

Zip: 19170-6112

City: PHILADELPHIA

State: PA

3. Submit form to create new payee

NOTE: here I was given a quote of 1-2 days for electronic delivery. Gave me confidence this might work

4. Remit $10 payment to newly created payee

I did the aforementioned steps on 2025-05-09 and observed the following:

1. Payment scheduled via Bill Pay to be sent on 2025-05-12 and delivered to payee (Goldman Sachs) on 2025-05-14
2. Debit on account for $10 on 2025-05-12
3. 2025-05-14 received e-mail and Wallet transaction notification of an "Offline Payment" that was processed

Pros / Cons

Pros

• take away potential of GS debiting my account beyond what is due
• increase control of payments to creditor

Cons

• (at least for my bank) debit on your account happens on the send on date
• have to manually schedule every month as opposed to letting GS take what they supposedly are owed

References

[1] https://support.apple.com/en-us/102534#autopay

[2] https://support.apple.com/en-us/102534#make

[3] https://discussions.apple.com/thread/252947711?sortBy=rank

[4] https://discussions.apple.com/thread/252716535?sortBy=rank

[5] https://discussions.apple.com/thread/254433851?sortBy=rank

[6] https://discussions.apple.com/thread/255616490?sortBy=rank

[7] https://www.investopedia.com/terms/l/lockboxbanking.asp

[8] https://finance.yahoo.com/news/went-broke-because-autopay-wish-190015131.html

Interesting new feature of MacOS 13. I'm curious about testing this and see how well audio and video are in sync during calls.

cross-posted from: https://lemmy.sdf.org/post/34990039

Archived

In 2010, an elite unit of the Chinese police entered an Apple shop in Shanghai and violently assaulted the customers. The attack was so brutal that the floor tiles subsequently had to be replaced: they were too bloodstained. Those customers had been waiting in line for days for the latest iPhone; their crime was to refuse to leave upon learning that the shop had sold out of stock.

Yet no official record of this event exists. The shop’s cameras were cut and employees had their phones wiped. “It shows you how quickly the Chinese can brush everything under the carpet,” one person present tells journalist Patrick McGee. “It was like a mini-Tiananmen Square.” The incident is one small example in McGee’s eye-opening book, Apple in China, of how the Californian iPhone maker has “bound its future inextricably to a ruthless authoritarian state”.

When people think of Apple’s presence in China, the focus tends either to be on the cheap manufacture of the company’s parts and the poor working conditions at those factories, or on the censorship of content on Apple devices inside the country. McGee, a journalist at the Financial Times, breaks down in much greater detail the relationship between this capitalist company and communist nation – a relationship so intertwined and complex that it will take decades to unravel. He makes the argument that not only has China effectively made Apple what it is today, but the reverse is also true. “China wouldn’t be China today without Apple,” McGee writes. “[Apple’s] investments in the country have been spectacular, rivalling nation-building efforts.”

[...]

The more Apple invests in both training these [Chinese] contracted factory workers and paying for special machinery that could only be used for its products – in 2018 the value of Apple’s “long-lived assets” in China peaked at $13.3 billion – the more it becomes bound to the country. [Apple contractor's] Foxconn hubs, for example, are now surrounded by hundreds of sub-suppliers that cater to Apple’s every whim. “Anything we wanted, we could get it,” one engineer recalls. “Whatever we needed, it would happen.”

[...]

Apple is notoriously secretive, but McGee proffers dozens of first-hand accounts of how the company essentially bumbled its way into becoming hooked on China. By the time Apple executives realise that the Chinese president Xi Jinping is ramping up repression at home and taking a more combative stance in international affairs, it’s too late to untangle the relationship: those business ties, McGee writes, are “unbreakable”. In 2016, when the Chinese authorities make it clear that they can remove, whenever they want, the cheap and plentiful labour on which Apple relies, Cook is compelled to make a trip to the Chinese Communist Party headquarters. The company pledges to invest $275 billion in China over the next five years. It does not, unsurprisingly, announce this investment to the Western press.

[...]

Coming to Aston Martin in US and Canada for now. Hyundai/Kia/Genesis should follow: let’s see how quick it will actually come to the masses and which current vehicles can get it through software update.

Latest update, iOS 17.7.7, reset all the apps. All saves lost, all pwds no longer saved in apps.

Is this #winning?

My 3000 level mahjong I had made to 1700+ after several years - gone. ¯\_(ツ)_/¯

The rushed launch of Apple Intelligence was a debacle, reminding Apple it should focus on readiness rather than quickly appeasing shareholders.

The app was already in the EU AppStore but recently it was approved for the global AppStore too! This app allows you to run JIT for supported side loaded apps without the need of jailbreaking or using another device (you do need a PC to set it up though). With this you can emulate Wii, Nintendo Switch (YES THE NINTENDO SWITCH) and 3Ds with more apps to come because they have yet to add support for this method.

Apple did say that they plan on patching this method, making it obsolete in the future. It is generally expected to be patched in iOS19.

My wife and I went on a short trip where I had to work. I normally use a windows desktop, but couldn’t bring that.

I used her base m1 air, and was blown away by how well it handled my work. Not just that, but it used significantly less ram and cpu power.

On windows my cpu usage is higher and my ram usage normally over 8gb. On here air, I was hitting around 6gb ram usage and the cpu was maybe around 15-20%

I am still in a little disbelieve that her laptop handed my work so much better than my desktop i7-8700 or laptop i5-11th gen intel handles it.

I’m totally picking up a MacBook this fall.

Now just need to decide between the air and pro, the air is probably fine, but I like the dedicated hdmi port as I will use it with a monitor a lot. Not sure if a usb-c hub will suffice.

My wife and I went on a short trip where I had to work. I normally use a windows desktop, but couldn’t bring that.

I used her base m1 air, and was blown away by how well it handled my work. Not just that, but it used significantly less ram and cpu power.

On windows my cpu usage is higher and my ram usage normally over 8gb. On here air, I was hitting around 6gb ram usage and the cpu was maybe around 15-20%

I am still in a little disbelieve that her laptop handed my work so much better than my desktop i7-8700 or laptop i5-11th gen intel handles it.

I’m totally picking up a MacBook this fall.

Now just need to decide between the air and pro, the air is probably fine, but I like the dedicated hdmi port as I will use it with a monitor a lot. Not sure if a usb-c hub will suffice.

I actually use the action button on a daily basis.

It’s a fork from someone’s super action buttons shortcut that outputs a list view of commonly used commands and apps. But I added some nice to have tweaks. First , I test for internet connectivity, get the current location and the current focus mode and iPhone orientation and if the phone is locked or not. Now if I press the action button. If I am at a Bus/Train Station, my Ticket in the Wallet opens. If I am at home in my bed, the TV Remote opens. If I am at the University, the Uni Application opens. If I am at work, my To Do list opens. If the screen is locket or turned upside down, it toggles the silent mode. If none of the criteria are met, the shortcut list opens.

If you want to see it , I can prepare a version with removed personal information.

Edit : Now on my GitHub https://github.com/LeTak0/ActionButton

And the direct link https://www.icloud.com/shortcuts/79c4a5c75ed24b3e8c00f5439a766a4c

I never knew this was an option. I was viewing a video from Finder in QuickLook. While jumping back and forth between apps, I accidentally hit Cmd-L in Finder when I intended to be in Safari (to copy a URL). The video rotated left. Cmd-R, predictably at this point, rotated back to the right. I assume images would work as well, but the video hasn't finished playing so I haven't confirmed.

I've been a Mac power user for decades and this was a satisfying discovery.

One week ago i got a 32gb ipad. Excited for the new toy, I took hundreds of stupid photos with that 720p front webcam using photobooth, downloaded them from icloud, deleted them, and now they're in the trash.

Now the ipad is complaining it's full memory. Full memory? What? Already? I barely used it. I investigated the issue and saw that photos are taking 4gb.

4gb? How? Saw on icloud there's not that usage on photos:

The pics i took were 720p images, when i downloaded them from icloud they were like 50mb in total

Uncompressed lossless caches of old photos? How to fix this?

Over eight years, the Apple Watch has sensibly evolved—activity rings, rest-day pauses, Walkie Talkie, widget redesign—and become an indispensable daily companion. Yet its clever hand-washing feature from watchOS 7 is plagued by incessant false “loud environment” alerts from hand dryers and repeated dish-washing triggers that never get fixed. It’s baffling that a device capable of life-saving crash detection can’t handle drying your hands, making me suspect Apple’s engineers never actually wash theirs.

Does anyone know of a web browser on iOS that allows for zooming with a double tap and hold with dragging. Similar to how zooming is handled on maps. The only thing I’ve found was Firefox on android but I haven’t found anything on iOS yet. I wouldn’t figure this to be a limitation of WebKit but I could be wrong.